ohcexpert
Returning Member

Excess ROTH IRA after filing (and calculating NIA)

 

I filed my tax return last week. Then I discovered I have excess contribution to ROTH IRA and will file amendment before April 18.

 

I split my monthly contribution equally – one to A  ($X at end of the month) and other to B ($x mid-month). The excess contribution unknowingly began on or after July 15, 2022. But with multiple ROTHs IRA, am I correct that I need to fix the one with the LAST contrib. i.e. A?

 

Also I incurred loss for A (as well as B) due to change in value at start and end of the period.

 

What are the reference dates for the Net Income Attributable (NIA)? July 15 and Dec 31?

 

There were dividend and other gains in that period.

 

Finally in 2022 I was 58 years old.

 

What forms do I use? or edit?

 

Thanks